Punchcard (formerly Agentive) vs Flyfin

Punchcard (formerly Agentive) is audit assurance software that runs engagements as structured units called punchcards: client evidence requests, substantive tests, and review steps that trace back to source documents. The goagentive.com URL redirects to punchcard.com, where the product is marketed as "the assurance system of action" for CPA firms, risk consultants, and their clients. CoAudit is the flagship punchcard for substantive testing, while Workpaper and Financial Statement Review handle spreadsheet testing and FS tie-outs.

Generic audit software tracks tasks and folders; Punchcard pairs each test with an agent that reads invoices, contracts, bank statements, and payroll files, then outputs workpapers with page-level citations auditors can validate. A Richey May case study on the site cites revenue testing across 41 selections and 123 documents in 30 minutes. That narrow focus on cited audit evidence is the trade-off: it is built for assurance workflows, not general document chat.

External audit teams at firms like RSM, Richey May, and JLK Rosenberger use it for client PBC requests, detail testing, and SOX control work. Internal audit groups get standardized procedure templates in the same workspace. Access is demo-led; the homepage highlights SOC 2 certification and GDPR compliance but does not list self-serve pricing.

Flyfin helps U.S. freelancers, contractors, and small business owners hunt tax deductions with AI while a CPA files the return. You connect expense accounts, Flyfin scans transactions against 200-plus deduction categories, and human CPAs review and e-file federal and state taxes when you pick a paid plan. The homepage cites 250,000-plus users, a 4.8 out of 5 rating, and average tax savings around $3,700.

Compared with DIY tax software, Flyfin pairs automated deduction tracking with unlimited CPA chat and optional Zoom calls on higher tiers. The Standard plan covers sole proprietors and single-member LLCs, while Premium adds S-Corp, K-1, and partnership filings plus a designated CPA. Flyfin also sells a separate workflow for CPA firms that want to automate client filings, so it is not just a consumer app with a chatbot bolted on.

Flyfin fits 1099 workers, W-2 employees with side income, and owners juggling quarterly estimates who hate spreadsheet math. Features include swipe-to-accept deductions, a quarterly tax calculator, audit insurance on filing plans, and member perks from partner brands. The company operates in the personal finance and tax prep space with headquarters in San Jose, California, and $8 million in venture funding since its 2020 founding.